Natural Disaster Risk in Phelps County
Nebraska
Risk Summary for Phelps County
Phelps County scores 4.8/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hail.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Phelps County, Nebraska
Phelps County is located in the United States in Nebraska, home to roughly 8,968 residents. The county experiences hot summers, cold winters, and open-terrain wind exposure, with one of the most tornado-active spring seasons in the central US shaping the natural hazards faced by its communities. FEMA assesses risk at this county level, providing the baseline for every city and ZIP code within its boundaries.
FEMA rates Phelps County's composite natural disaster risk at 4.8 out of 10 — moderate risk. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Residents should also account for drought and wind risk in their preparedness planning.
Phelps County's risk score, near the 4.8/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Phelps County, the highest-scoring are hail, drought, and wind. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Phelps County residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hail is recommended.
What this means for Phelps County: Hail preparedness
- Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
- Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
- Document roof and property condition annually to streamline any future hail claims.
Cities in Phelps County
ZIP codes in Phelps County
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.